Genisys Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, Genisys Credit Union of Auburn Hills, MI reported 5,058 mortgage applications totaling $741.6 million, up 17% from 2023. The average application was for $146,609, and applicants reported an average income of $139,661. 64% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Warren-Troy-Farmington Hills, MI (3,386), Flint, MI (428) and Detroit-Dearborn-Livonia, MI (319) (applications in parentheses).
| Mortgage Company & Address | Genisys Credit Union 2100 Executive Hills Blvd Auburn Hills, MI 48326 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 5,058 |
| Total Mortgage Loan Application Amount | $741,550,000 |
| Average Mortgage Loan Application Amount | $146,609 |
| Highest Mortgage Loan Application Amount | $16,475,000 |
| Average Applicant Income | $139,661 |
| Highest Applicant Income | $6,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Genisys Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Warren-Troy-Farmington Hills, MI | 3,386 | $ 460,140,000 | $ 135,894 | $ 138,000 |
| Flint, MI | 428 | $ 54,700,000 | $ 127,803 | $ 102,000 |
| Detroit-Dearborn-Livonia, MI | 319 | $ 40,485,000 | $ 126,912 | $ 106,000 |
| Outside any metro area | 257 | $ 35,215,000 | $ 137,023 | $ 116,840 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 213 | $ 28,845,000 | $ 135,422 | $ 142,586 |
| Ann Arbor, MI | 61 | $ 20,165,000 | $ 330,573 | $ 146,000 |
| Montgomery County-Bucks County-Chester County, PA | 24 | $ 3,130,000 | $ 130,416 | $ 144,000 |
| Saginaw, MI | 24 | $ 1,910,000 | $ 79,583 | $ 107,000 |
| Traverse City, MI | 21 | $ 13,535,000 | $ 644,523 | $ 1,104,000 |
| Lansing-East Lansing, MI | 20 | $ 1,930,000 | $ 96,500 | $ 104,000 |
| Monroe, MI | 19 | $ 2,615,000 | $ 137,631 | $ 109,000 |
| North Port-Sarasota-Bradenton, FL | 18 | $ 8,720,000 | $ 484,444 | $ 221,000 |
| Grand Rapids-Wyoming, MI | 16 | $ 1,560,000 | $ 97,500 | $ 118,000 |
| Chicago-Naperville, IL | 11 | $ 3,135,000 | $ 285,000 | $ 190,000 |
| Philadelphia, PA | 11 | $ 2,315,000 | $ 210,454 | $ 147,000 |
| Atlanta-Sandy Springs-Roswell, GA | 10 | $ 1,630,000 | $ 163,000 | $ 175,000 |
| Cape Coral-Fort Myers, FL | 10 | $ 2,700,000 | $ 270,000 | $ 190,000 |
| Lakewood-New Brunswick, NJ | 9 | $ 4,285,000 | $ 476,111 | $ 165,000 |
| Bay City, MI | 8 | $ 780,000 | $ 97,500 | $ 135,000 |
| Camden, NJ | 7 | $ 1,085,000 | $ 155,000 | $ 169,000 |
| Indianapolis-Carmel-Anderson, IN | 7 | $ 1,245,000 | $ 177,857 | $ 168,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 7 | $ 4,135,000 | $ 590,714 | $ 255,000 |
| Jackson, MI | 6 | $ 530,000 | $ 88,333 | $ 113,000 |
| Raleigh, NC | 6 | $ 3,140,000 | $ 523,333 | $ 131,000 |
| Denver-Aurora-Lakewood, CO | 5 | $ 1,645,000 | $ 329,000 | $ 153,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 1,170,000 | $ 292,500 | $ 154,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 560,000 | $ 140,000 | $ 129,750 |
| Cleveland, OH | 4 | $ 260,000 | $ 65,000 | $ 125,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 1,900,000 | $ 475,000 | $ 480,000 |
| St. Petersburg-Clearwater-Largo, FL | 4 | $ 330,000 | $ 82,500 | $ 121,000 |
| Arlington-Alexandria-Reston, VA-WV | 3 | $ 725,000 | $ 241,666 | $ 144,000 |
| Colorado Springs, CO | 3 | $ 445,000 | $ 148,333 | $ 202,000 |
| Dayton-Springfield-Kettering, OH | 3 | $ 615,000 | $ 205,000 | $ 157,000 |
| Duluth, MN-WI | 3 | $ 295,000 | $ 98,333 | $ 122,000 |
| Durham-Chapel Hill, NC | 3 | $ 1,045,000 | $ 348,333 | $ 221,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 1,165,000 | $ 388,333 | $ 151,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 1,725,000 | $ 575,000 | $ 243,000 |
| Harrisburg-Carlisle, PA | 3 | $ 585,000 | $ 195,000 | $ 170,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 4,495,000 | $ 1,498,333 | $ 1,556,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 1,155,000 | $ 385,000 | $ 274,000 |
| Pittsburgh, PA | 3 | $ 195,000 | $ 65,000 | $ 79,000 |
| Port St. Lucie, FL | 3 | $ 255,000 | $ 85,000 | $ 133,000 |
| Reading, PA | 3 | $ 145,000 | $ 48,333 | $ 149,000 |
| Tampa, FL | 3 | $ 355,000 | $ 118,333 | $ 166,000 |
| Toledo, OH | 3 | $ 135,000 | $ 45,000 | $ 143,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 565,000 | $ 188,333 | $ 120,000 |
| York-Hanover, PA | 3 | $ 835,000 | $ 278,333 | $ 124,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 180,000 | $ 90,000 | $ 705,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 690,000 | $ 345,000 | $ 152,000 |
| Evansville, IN-KY | 2 | $ 420,000 | $ 210,000 | $ 266,000 |
| Kalamazoo-Portage, MI | 2 | $ 360,000 | $ 180,000 | $ 83,000 |
| Knoxville, TN | 2 | $ 690,000 | $ 345,000 | $ 317,000 |
| Lakeland-Winter Haven, FL | 2 | $ 670,000 | $ 335,000 | $ 166,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 600,000 | $ 300,000 | $ 182,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 210,000 | $ 105,000 | $ 97,500 |
| Marietta, GA | 2 | $ 390,000 | $ 195,000 | $ 184,000 |
| Midland, MI | 2 | $ 180,000 | $ 90,000 | $ 128,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 320,000 | $ 160,000 | $ 82,000 |
| Niles-Benton Harbor, MI | 2 | $ 210,000 | $ 105,000 | $ 148,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 230,000 | $ 115,000 | $ 115,000 |
| Punta Gorda, FL | 2 | $ 520,000 | $ 260,000 | $ 1,748,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 480,000 | $ 240,000 | $ 195,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 660,000 | $ 330,000 | $ 450,000 |
| San Diego-Carlsbad, CA | 2 | $ 980,000 | $ 490,000 | $ 237,000 |
| Sandusky, OH | 2 | $ 330,000 | $ 165,000 | $ 110,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 300,000 | $ 150,000 | $ 103,000 |
| St. Louis, MO-IL | 2 | $ 150,000 | $ 75,000 | $ 165,000 |
| Tulsa, OK | 2 | $ 360,000 | $ 180,000 | $ 66,000 |
| Akron, OH | 1 | $ 535,000 | $ 535,000 | $ 192,000 |
| Albany, GA | 1 | $ 95,000 | $ 95,000 | $ 143,000 |
| Appleton, WI | 1 | $ 165,000 | $ 165,000 | $ 144,000 |
| Brunswick, GA | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Cedar Rapids, IA | 1 | $ 55,000 | $ 55,000 | $ 89,000 |
| Cincinnati, OH-KY-IN | 1 | $ 385,000 | $ 385,000 | $ 120,000 |
| Clarksville, TN-KY | 1 | $ 25,000 | $ 25,000 | $ 115,000 |
| Columbia, SC | 1 | $ 365,000 | $ 365,000 | $ 168,000 |
| Columbus, IN | 1 | $ 205,000 | $ 205,000 | $ 125,000 |
| Columbus, OH | 1 | $ 175,000 | $ 175,000 | $ 69,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 775,000 | $ 775,000 | $ 288,000 |
| Des Moines-West Des Moines, IA | 1 | $ 205,000 | $ 205,000 | $ 97,000 |
| Greeley, CO | 1 | $ 305,000 | $ 305,000 | $ 125,000 |
| Green Bay, WI | 1 | $ 35,000 | $ 35,000 | $ 139,000 |
| Harrisonburg, VA | 1 | $ 445,000 | $ 445,000 | $ 175,000 |
| Hattiesburg, MS | 1 | $ 155,000 | $ 155,000 | $ 123,000 |
| Helena, MT | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 15,000 | $ 15,000 | $ 185,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 65,000 | $ 65,000 | $ 148,000 |
| Huntsville, AL | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 185,000 | $ 185,000 | $ 102,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Macon-Bibb County, GA | 1 | $ 255,000 | $ 255,000 | $ 460,000 |
| Memphis, TN-MS-AR | 1 | $ 455,000 | $ 455,000 | $ 146,000 |
| Montgomery, AL | 1 | $ 135,000 | $ 135,000 | $ 74,000 |
| Muskegon, MI | 1 | $ 355,000 | $ 355,000 | $ 130,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 1,335,000 | $ 1,335,000 | $ 235,000 |
| Ocala, FL | 1 | $ 75,000 | $ 75,000 | $ 199,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 105,000 | $ 105,000 | $ 144,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 165,000 | $ 165,000 | $ 207,000 |
| Pinehurst-Southern Pines, NC | 1 | $ 195,000 | $ 195,000 | $ 95,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 425,000 | $ 425,000 | $ 101,000 |
| Richmond, VA | 1 | $ 425,000 | $ 425,000 | $ 216,000 |
| Rockingham County-Strafford County, NH | 1 | $ 155,000 | $ 155,000 | $ 152,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 1,205,000 | $ 1,205,000 | $ 324,000 |
| Sebastian-Vero Beach, FL | 1 | $ 3,115,000 | $ 3,115,000 | $ 740,000 |
| St. Cloud, MN | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Trenton, NJ | 1 | $ 495,000 | $ 495,000 | $ 163,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 425,000 | $ 425,000 | $ 200,000 |
| Wilmington, NC | 1 | $ 245,000 | $ 245,000 | $ 54,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 35,000 | $ 35,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for Genisys Credit Union in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Other Purpose | 1,551 | $107,395,000 | $69,000 | $2,005,000 | $120,000 | $2,859,000 |
| Home Improvement | 1,423 | $98,015,000 | $68,000 | $755,000 | $117,000 | $1,401,000 |
| Home Purchase | 1,122 | $333,790,000 | $297,000 | $9,005,000 | $173,000 | $6,000,000 |
| Refinancing | 641 | $117,905,000 | $183,000 | $16,475,000 | $165,000 | $3,400,000 |
| Cash-out Refinancing | 321 | $84,445,000 | $263,000 | $3,805,000 | $168,000 | $3,632,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 3,717 | $474,095,000 | $127,000 | $4,805,000 | $136,000 | $6,000,000 |
| Not Provided | 589 | $120,835,000 | $205,000 | $3,805,000 | $180,000 | $3,632,000 |
| Black or African American | 305 | $27,785,000 | $91,000 | $515,000 | $91,000 | $427,000 |
| Asian | 225 | $54,075,000 | $240,000 | $1,335,000 | $165,000 | $774,000 |
| Hispanic | 160 | $14,360,000 | $89,000 | $525,000 | $109,000 | $1,401,000 |
| Not applicable | 38 | $47,730,000 | $1,256,000 | $16,475,000 | $0 | $0 |
| American Indian or Alaskan Native | 18 | $2,140,000 | $118,000 | $765,000 | $125,000 | $316,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $530,000 | $88,000 | $155,000 | $123,000 | $236,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 5,058 | $741,550,000 | $146,000 | $16,475,000 | $139,000 | $6,000,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 3,243 | $502,215,000 | $154,000 | $16,475,000 | $148,000 | $3,632,000 |
| Application Denied By Financial Institution | 863 | $86,285,000 | $99,000 | $2,125,000 | $100,000 | $2,859,000 |
| Application Withdrawn By Applicant | 440 | $88,270,000 | $200,000 | $9,005,000 | $162,000 | $6,000,000 |
| File Closed For Incompleteness | 407 | $52,045,000 | $127,000 | $1,365,000 | $133,000 | $2,307,000 |
| Application Approved But Not Accepted | 105 | $12,735,000 | $121,000 | $1,115,000 | $115,000 | $477,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 4,195 | $655,265,000 | $156,000 | $16,475,000 | $147,000 | $6,000,000 |
| Debt-To-Income Ratio | 310 | $30,830,000 | $99,000 | $945,000 | $74,000 | $424,000 |
| Credit History | 261 | $17,155,000 | $65,000 | $535,000 | $101,000 | $1,402,000 |
| Collateral | 190 | $24,400,000 | $128,000 | $2,125,000 | $121,000 | $1,320,000 |
| Credit Application Incomplete | 87 | $12,355,000 | $142,000 | $1,265,000 | $147,000 | $2,859,000 |
| Unverifiable Information | 5 | $725,000 | $145,000 | $355,000 | $87,000 | $148,000 |
| Other | 4 | $300,000 | $75,000 | $125,000 | $77,000 | $140,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $345,000 | $115,000 | $195,000 | $68,000 | $73,000 |
| Employment History | 2 | $110,000 | $55,000 | $75,000 | $28,000 | $46,000 |
| Mortgage Insurance Denied | 1 | $65,000 | $65,000 | $65,000 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Genisys Credit Union's 2024 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Genisys Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.
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